Marginal Cost of Funds based Lending Rate (MCLR)

Who we serve
- Business
- Small Business Banking
  U.S. companies with up to $1 million in revenue.
- Business Banking
  U.S. companies with $1 million to $50 million in revenue.
- Global Commercial Banking
  Multinational companies with $50 million to $2 billion in revenue.
- Global Corporate & Investment Banking
  Multinational companies with over $2 billion in revenue.
- Institutional Investors
- Global Markets
  Global asset managers, hedge funds, pensions and insurance, corporates, governments and other financial institutions.
- BofA Global Research
  Our award-winning analysts provide insightful, objective and in-depth research to help you make informed investing decisions.
- Featured Industries
- Auto Dealerships
- Healthcare
- Higher Education
- Not-for-profit organizations
- Public Sector
- Real Estate
- Restaurant
- Technology
Talk with a relationship manager

Get one-on-one guidance from a local Business Banker.
Solutions
- Treasury
  Optimize liquidity & manage risk with our comprehensive treasury solutions.
- Global Payments Solutions
- Corporate Credit Cards
- Intelligent Payables
- Liquidity Management
- Merchant Services
- Payments Management
- Receivables Management
- Trade & Supply Chain Finance
- Banking
  Secure, efficient business banking solutions for growth.
- Asset-Based Lending
- BofA Working Capital Manager®
- Business Advantage for small companies
- Equipment Financing
- Investment Banking
- SBA Loans
- Sustainable Finance
- Workplace Benefits
- Institutional Investors
  Maximize returns, minimize risk with our institutional investing expertise.
- BofA Global Research
- BofA Mercury
- Equities Electronic Trading
- FX
- Municipals
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Your complete digital banking platform.
Research & insights
- Bank of America Institute
- Bank of America Institute
  Original perspectives on the economy, sustainability and global transformation.
- Consumer Checkpoint
  A holistic and real-time look at U.S. consumers' spending and financial well-being.
- BofA Global Research
- BofA Global Research
  Our award-winning analysts provide insightful, objective and in-depth research to help you make informed investing decisions.
- Global Research Unlocked® Podcast
  Our best-in-class analysts discuss what’s rising — from emerging risks and opportunities to growth industries.
- Must Read Research
  What you should know from the past week.
- Insights
- Attracting & Retaining Talent
- Business Insights
- Center For Business Empowerment
- Community Development Banking
- Digital Innovation
- Fraud & Cyber Security
- Sustainability
- Trader Insights
- Treasury Insights
Institutional investing insights

Chart the right path with nuanced perspectives and analysis.
Global presence
- Who We Are
- About Us
  We offer innovative business solutions, research and analysis globally.
- International
  Expertise, solutions, global reach and shared success across continents.
- Careers
  Search world-wide job openings, apprenticeships or internships to see where to take the next step.
- Where We Are Globally
- Asia Pacific
- Europe, Middle East & Africa
- Latin America
- United States
- Canada
- Featured Country Pages
- Australia
- Benelux
- Canada
- China
- France
- Germany
- Hong Kong
- India
- Indonesia
- Ireland
- Italy
- Japan
- Latin America
- Malaysia
- Middle East
- Nordics
- Philippines
- Singapore
- South Africa
- South Korea
- Spain and Portugal
- Sub-Saharan Africa
- Switzerland
- Taiwan
- Thailand
- United Kingdom
Bank of America in the Benelux region

Since we opened our office in the Benelux region, we’ve seen a large amount of success in our partnerships. Let us help you make connections.

Corporations & Institutions

Tenors		MCLR Effective Date - Nov 7, 2026
Overnight		6.75%
One Month		6.75%
Three Month		7.10%
Six Month		7.60%
One Year		7.80%

Bank of America N.A., India: Regulatory Information

MARGINAL COST OF FUNDS BASED LENDING RATE